1. 2018 Benefits Annual Enrollment
November , 2017
CWA 1298 CT
(Bags: )
©2017 Frontier Communications This document contains proprietary and/or confidential information and is intended only for the party to whom it is presented. Copying and re-distribution are strictly prohibited.

2. Sign up for your benefits from November 1 -17!
Online
View and make any changes to your Frontier health & welfare benefits at:
Frontier Benefits Center
Don’t forget to review your beneficiaries and print a copy of your elections
User ID: first 2 letters of your first name, first 3 letters of your last name (all lower case) and last 4 numbers of your Social Security Number (SSN)
Password: If you are logging for the 1st time, your date of birth (MMDDYYYY). You are required to change your password after you log in for the first time.
1-855-FTR (387)-2887
Monday – Friday
9:00 a.m. – 6:00 p.m. EST
1-855-FTR (387)-2887
Starting Wednesday, Nov 1 at 9:00 am EST until Friday, Nov 17 at 6:00 pm EST.
Once the Window closes, no exception will be made.

3. Annual Enrollment 2018: November 1 - 17
Review your health care Benefits for the upcoming year
Changing your Benefits elections during the year
Your current medical, dental, Vision, life insurance, AD&D insurance will automatically continue for 2018
Your current Flexible Spending Accounts election will NOT continue for 2018; you must re-enroll during this Window
To change your coverage and/or enroll for Flexible Spending Accounts, you must make an affirmative election as part of Annual Enrollment
Annual Enrollment is generally the only time during the year that you can make changes to your coverage, unless you have a qualified life event (such as birth of child). For information and what constitutes a qualified life event, refer to your Summary Plan Description (SPD) available in the Resources section of the Frontier Benefits Center.
It is your responsibility to initiate the qualified life event within the 31 days of the effective date of the event: OR
Complete/Update your beneficiary statement online
It is important to verify your covered dependent(s) information, enrolling ineligible dependents violates the terms of your benefits plans
If you have a qualified life event (such as birth of child) between now and the end of the year, you will need to make any necessary changes on Frontier Benefits Center for both 2017 and 2018
Save/print a copy of your confirmation statement, confirmation statements will not being mailed.

4. If you need assistance navigating the site, call 1-855-FTR (387)-2887
2018 Communication
As part of our go green initiative, Frontier is not providing your benefits guide and other materials in print form
again this year, which saves energy, ink and paper resources.
We encourage you to view information on the Frontier Benefits Service Center Web site,
from November 1 – 17 and enroll for your 2018 benefits.
If you need assistance navigating the site, call FTR (387)-2887
M – F, 8:00 am - 6:00 pm, EST.
View your 2018 Benefits information online
Health & Welfare Plans & Costs
Summary Plan Descriptions (SPDs)
Summary of Benefits Coverage (SBC)
Compliance Booklet
Confirmation Statement
SPDs, SBCs, and Compliance Booklet are available in the Resource section of the Frontier Benefits Service Center

5. Medical Plan until age 26, no other requirements applies
Dental & Vision Child Life and Child AD&D Plans end of the year in which reaches age 23, no other requirements applies
Eligible Dependents
Your Frontier Health & Welfare plan can cover your:
Spouse
Same-sex Domestic Partner
Children and eligible children of your Same-sex Domestic Partner
You are responsible for updating your Child Life Insurance and AD&D insurance elections if your previously eligible child(ren) no longer meet the eligibility requirements as noted above. Your Insurance Company will not honor the ineligible child’s claim.
If you add any new dependents during open enrollment, verification is required:
Frontier Benefits Service Center will mail a dependent verification request upon adding a new dependent to medical, dental and/or vision plans
You must provide the required documentation by the due date indicated on the form
Newly added dependent(s) will have coverage once their eligibility is verified

6. What’s New for 2018
Medical Plans - are offered based on the terms of your collective bargaining agreement
Employee contribution - for the medical plans are adjusted based on the terms of your collective bargaining agreement
New Prescription Drugs Administrator – Express Scripts (ESI) will be the prescription Drugs administrator for 2018(view slides 8-11 for details)
CarePlus Plan - is eliminated effective November 1, 2017 based on the terms of your collective bargaining agreement
Health Care Flexible Spending - annual maximum will increase to $2,600 from prior year of $2,550
Employee Supplemental life and supplemental long term disability rates will be reduced

7. Anthem Medical Plans
Visit Summary Plan Descriptions (SPDs) posted online at for plan details and limitations

8. New Prescription Drugs Administrator – Express Scripts (ESI)
ESI will be the new pharmacy administrator effective 1/1/ As a leader in the pharmacy benefits management industry, ESI provides convenient, user-friendly services including:
24/7 customer service availability to members and pharmacists
Pharmacists that are available around the clock for medication consultation
Enhanced mail order delivery, including extended payment program
Mail order cost can be spread over three credit or debit card installments
More than 60,000 retail pharmacies nationwide; approximately 36,000 chain and 24,000 independents
Members will receive welcome package prior to 1/1/2018 including ESI prescription ID Card and useful information on how to get started using mail order.
Note: Plan design will be replicated based on the terms of the collective bargaining agreement

9. Transitioning to ESI- What you need to know
Current Mail Order User
Open refills from CVS-Caremark mail order pharmacy will transition to ESI beginning mid-December, and will continue to transition to ESI through second week of January 2018.
CVS-Caremark Mail Order pharmacy will continue to fill all refills requested through 12/31/2017
New Mail Order Prescription Eff 1/1/2018
Effective 1/1/2018, you may either use the ESI Mail Order pharmacy or CVS retail stores to fill your 90-day mail order prescriptions.
Do not send new prescriptions to ESI mail order pharmacy prior to 1/1/2018.

10. Key facts and information about ESI By Mail
Quality of ESI by Mail Medications
You can always count on the quality of the medications that you get through ESI by Mail. They are the same high quality as those you currently use
You can always count on the quality of the medications that you get through ESI by Mail. They are the same high quality as those you currently use
Special handling of temperature-sensitive medications
ESI takes care to protect the potency and effectiveness of your medications. Therefore, any medications that are sensitive to extreme heat or cold are shipped in special insulated packaging with gel packs designed to keep the contents at the correct temperature throughout the delivery process. In addition, you can arrange for these types of medications to be delivered at a time and location that’s convenient for you, thus helping to keep exposure to heat or cold to a minimum.
Getting started at ESI By Mail
Ask your doctor to write a new prescription for your plan’s maximum days’ supply (usually 90 days), with refills for up to 1 year, as appropriate. Mail your prescriptions in the special envelope that you receive with your enrollment materials or ask your doctor to call for instructions on how to fax them. If your order is faxed, your doctor must have your member ID number to complete the transaction (Only your doctor can fax prescriptions to ESI).

11. Frequently Asked Questions
You will receive a Welcome Package containing your ID Card from ESI prior to January 1, If you don’t receive your ID Card by January 1, 2018 and you need to use the pharmacy, you can:
Print a temporary ID card from OR
Display your ID card on a smart phone through ESI’s mobile app, OR
Call ESI Member Services at and ask for the information you’ll need
You can always count on the quality of the medications that you get through ESI by Mail. They are the same high quality as those you currently use
When will I get my ESI ID Card
Beginning November 1, 2017 you can log onto
Determine the formulary status of your drug, find a participating retail pharmacy in your neighborhood and learn more about ESI
Effective January 1, 2018 log onto and become a registered member, ESI website is available 24 x 7 x 365 for all of your prescription benefit needs
Effective January 1, 2018 ESI’s member services representatives at will be able to answer questions related to your prescription drug plan.
ESI’s member services are available 24 x 7 except Thanksgiving & Christmas.
How can I contact ESI

12. Medical Plans Monthly Employee Contribution- EE hired Prior to 1/1/2014
Medical contribution is being pulled from the 1st two paychecks of the month.
Part-time employees working less than 25 hours p/week can view their per/pay contribution online during the AE Window:
Working between 17 – hours p/week will pay 50% of the premium
Working between 0 – hours p/week will pay 100% of the premium

13. Medical Plans Monthly Employee Contribution- EE hired on or after 1/1/2014
Medical contribution is being pulled from the 1st two paychecks of the month.
Part-time employees working less than 25 hours p/week can view their per/pay contribution online during the AE Window:
Working between 17 – hours p/week will pay 50% of the premium
Working between 0 – hours p/week will pay 100% of the premium

14. TeleMedicine – Offered to Anthem Members
Telemedicine is LiveHealth online (LHO) that allows visit with a primary care physicians, anytime – from work, at home or on the go:
Doctor’s care at the speed of life
Cost P/Visit
Available in most states including DC*
24/7 access for members; available anywhere through computer or mobile device
Provides access to in-network, board-certified doctors
Allows doctors to ePrescribe** utilizing local pharmacies (where applicable)
Takes member payments via Visa, MasterCard and Discover
Is secure, convenient and easy-to-use
For more information, visit
Medical plan PCP Coverage applies
* LHO is not yet available in the following states: AK, AR, TX.
** In Indiana, prescriptions cannot be issued as a result of an online interaction with a doctor.

15. Cigna Dental Plan Plans Highlight
Visit the Summary Plan Description posted online
for plan details.

16. EyeMed Vision Plan Plan Highlight
Visit the Summary Plan Description posted online
for plan details.

17. Flexible Spending Accounts – Annual Maximum Contribution
Health Care Flexible Spending Account annual maximum contribution is
Increasing from $2,550 to $2,600 in 2018.
The FSAs Summary Plan Description at provides specific information about the FSA plans and eligible expenses
Health Reimbursement Account (HRA) – If you have an account balance, be sure to submit claims to get reimbursed for the eligible out of pocket expenses.
Important – If you enroll for the Healthcare FSA and have HRA account balance, you are required to utilize your FSA account balance before you can use your HRA account balance.

18. WageWorks Commuter Account
Commuter Account is a pre-tax benefit account used to pay for public transit including train, subway, bus and eligible vanpool and qualified parking as part of your daily commute to work.
Buy next month’s transit passes by the 10th of this month
How to Enroll:
Go to
Click “Login/Register”
Click “Employee Registration”
Follow steps to create an account
How to Use:
WageWorks Commuter Card
Home Deliver
Pay My Parking Provider
Pay Me Back
You are able to enroll for Commuter Account at anytime during the year.

19. Employee Assistant Program
Employee Assistance Program
Company paid Beacon Health EAP is offered to all employees
Provides up to 5 visits to an in-network licensed counselor
Work & Life Consultants available to help you find resources & services you need for:
Child Care
Elder Care
Education
Daily Living and more
Call , 24 hours a day, 7 days a week to speak to a representative or visit ww.achievesolutions.net/frontier

20. Appendix

21. Your Wellness Connection
“Healthy Living is just a click away”
Click on “Your Wellness Connection” bar located on the Link
Free health & wellness information, incentives and links
Discounted weight loss resources
Weight-Watchers On-Line
Medical carrier discounts & resources
Anthem BCBS, MVP, Excellus BCBS, Florida Health Care Plans, Kaiser
Discounted regional gym memberships
Tobacco Cessation
Healthy Resources, Healthy Recipes & Know Your Numbers
Interactive links, apps, calculators, websites and monthly newsletter

22. Protection for Your Digital World
Frontier Secure Protection allows you to use your devices safely and securely.
Product Features:
Computer Security: Protect your computers from cyber-theft and viruses with Frontier Anti-Virus. You may add firewall protection and parental controls to boost your security
Backup & Sharing: Unlimited backup of your PC or Mac files (photos, videos, music and documents)for up to 3 computer profiles
Technical Support: 24/7 access to live tech support and unlimited PC tune-ups and device/software installation
Identity Protection: 24/7/365 identity theft restoration provides comprehensive fraud assessment and in-depth support until resolution is completed
Lost Wallet Services – 24/7/365 assistance with cancelling and reissuing missing credit cards, driver’s license, passport, and other compromised identity information
As a Frontier employee, you will receive discounted rates for services that safeguard your digital life. To learn more about the Frontier Secure products and employees discounts, visit the “Frontier Secure” site located on the left hand side of the Link

23. This communication provides you with an overview of the company’s benefits. Complete details of the various plans are contained in the plan documents, policies and insurance contracts that govern the plans. If there is a difference between the information in this communication and the documents and contracts, the documents and contracts will govern. To view the Summary Plan Descriptions during the Annual Enrollment window, go to